What are the current interest rates at 1st Advantage Bank?

Current rates for 1st Advantage Bank include: 12-Month CD: 3.45%, 18-Month CD: 3.51%, 24-Month CD: 3.55%, 36-Month CD: 3.60%, 48-Month CD: 3.70%, 60-Month CD: 3.75%, Savings: 3.10%, MMA: 2.10%

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1st Advantage Bank Rates & Review November 2026

Q: What CD terms does 1st Advantage Bank offer?

1st Advantage Bank CD rates are 3.95% APY for a 7 month CD, 3.95% APY for an 11 month CD, 3.45% APY for a 12 month CD, 3.51% APY for an 18 month CD, 3.55% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.70% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st Advantage Bank for its full lineup.

Q: How many branches does 1st Advantage Bank operate?

1st Advantage Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, 1st Advantage Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

1st Advantage Bank's 11-Month CD rates are at 3.95%, 7-Month CD rates are at 3.95%, 60-Month ADVANTAGE CD/IRA rates are at 4.01%, 48-Month ADVANTAGE CD/IRA rates are at 3.96%, 11-Month CD Special rates are at 3.95%. 1st Advantage Bank's savings rates are at 3.10%. 1st Advantage Bank's money market rates are at 2.10%. 1st Advantage Bank's checking rates are as high as 0.10%. 1st Advantage Bank's top CD rate of 4.01% APY on a 5 year CD is 37% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of 1st Advantage Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.12%. Rates last updated and verified on 11/05/2026.

1st Advantage Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Advantage Bank? Share your experience about 1st Advantage Bank by leaving a review below, or read customer reviews before you decide to use 1st Advantage Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.12%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

1st Advantage Bank

240 Salt Lick Rd
Saint Peters, MO 63376

https://www.1stadvantagebank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

1st Advantage Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
60-month ADVANTAGE CD/IRA	3.95%	4.01%	60 month	$500
Min Deposit $500 Details Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91% Oct 7, 20264.01%▲ from 3.91% Sep 11, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48-month ADVANTAGE CD/IRA	3.90%	3.96%	48 month	$500
Min Deposit $500 Details Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.85% → 3.96% ▲ 0.11 pts · high 3.96% / low 3.85% Oct 7, 20263.96%▲ from 3.85% Sep 11, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
11-month CD	-	3.95%	11 month	-
Details APY based on an initial deposit of $10,000; penalty may be imposed for early withdrawal; fees may reduce earnings; APYs current as of 10/05/26 Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 7, 20263.95%▲ from 3.70% Sep 11, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
11-Month CD Special	3.89%	3.95%	11 month	$10,000
Min Deposit $10,000 Details Regular CDs & IRAs special; $10,000 opening balance required per footnote; ADVANTAGE customers not eligible for higher rate with this CD special; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 7, 20263.95%▲ from 3.70% Sep 11, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
20-Month CD Special	3.89%	3.95%	20 month	$10,000
Min Deposit $10,000 Details Regular CDs & IRAs special; $10,000 opening balance required per footnote; ADVANTAGE customers not eligible for higher rate with this CD special; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 7, 20263.95%▲ from 3.70% Sep 11, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
7-month CD	-	3.95%	7 month	-
Details APY based on an initial deposit of $10,000; penalty may be imposed for early withdrawal; fees may reduce earnings; APYs current as of 10/05/26 Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 7, 20263.95%▲ from 3.70% Sep 11, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
7-Month CD Special	3.89%	3.95%	7 month	$10,000
Min Deposit $10,000 Details Regular CDs & IRAs special; $10,000 opening balance required per footnote; ADVANTAGE customers not eligible for higher rate with this CD special; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 7, 20263.95%▲ from 3.70% Sep 11, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
36-month ADVANTAGE CD/IRA	3.80%	3.85%	36 month	$500
Min Deposit $500 Details Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.76% → 3.85% ▲ 0.09 pts · high 3.85% / low 3.76% Oct 7, 20263.85%▲ from 3.76% Sep 11, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24-month ADVANTAGE CD/IRA	3.75%	3.80%	24 month	$500
Min Deposit $500 Details Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.71% → 3.80% ▲ 0.09 pts · high 3.80% / low 3.71% Oct 7, 20263.80%▲ from 3.71% Sep 11, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18-month ADVANTAGE CD/IRA	3.71%	3.76%	18 month	$500
Min Deposit $500 Details Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 7, 20263.76%▲ from 3.66% Sep 11, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
60-month CD/IRA	3.70%	3.75%	60 month	$500
Min Deposit $500 Details Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 7, 20263.75%▲ from 3.65% Sep 11, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12-month ADVANTAGE CD/IRA	3.66%	3.71%	12 month	$500
Min Deposit $500 Details Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61% Oct 7, 20263.71%▲ from 3.61% Sep 11, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
48-month CD/IRA	3.65%	3.70%	48 month	$500
Min Deposit $500 Details Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60% Oct 7, 20263.70%▲ from 3.60% Sep 11, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
3-month ADVANTAGE CD/IRA	3.56%	3.61%	3 month	$500
Min Deposit $500 Details Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51% Oct 7, 20263.61%▲ from 3.51% Sep 11, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
6-month ADVANTAGE CD/IRA	3.56%	3.61%	6 month	$500
Min Deposit $500 Details Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51% Oct 7, 20263.61%▲ from 3.51% Sep 11, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
36-month CD/IRA	3.55%	3.60%	36 month	$500
Min Deposit $500 Details Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.51% → 3.60% ▲ 0.09 pts · high 3.60% / low 3.51% Oct 7, 20263.60%▲ from 3.51% Sep 11, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
24-month CD/IRA	3.50%	3.55%	24 month	$500
Min Deposit $500 Details Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45% Oct 7, 20263.55%▲ from 3.45% Sep 11, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
14-month Access CD Special	3.46%	3.51%	14 month	$10,000
Min Deposit $10,000 Details Regular CDs & IRAs special; Access CD; $10,000 opening balance required per footnote; ADVANTAGE customers not eligible for higher rate with this CD special; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 3.51% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
18-month CD/IRA	3.46%	3.51%	18 month	$500
Min Deposit $500 Details Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40% Oct 7, 20263.51%▲ from 3.40% Sep 11, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
12-month CD/IRA	3.41%	3.45%	12 month	$500
Min Deposit $500 Details Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 7, 20263.45%▲ from 3.35% Sep 11, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
3-month CD/IRA	3.31%	3.35%	3 month	$500
Min Deposit $500 Details Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25% Oct 7, 20263.35%▲ from 3.25% Sep 11, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
6-month CD/IRA	3.31%	3.35%	6 month	$500
Min Deposit $500 Details Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 11, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25% Oct 7, 20263.35%▲ from 3.25% Sep 11, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

1st Advantage Bank Savings Rates

Product	Rate	APY
Investment Savings	3.06%	3.10%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 - up; $1000 opening balance required; daily collected balance within each range required Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 3.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Investment Savings	2.48%	2.50%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; $1000 opening balance required; daily collected balance within each range required Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 2.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Investment Savings	1.49%	1.50%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $499,999.99; $1000 opening balance required; daily collected balance within each range required Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Savings	0.40%	0.40%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 - up; Annual Percentage Yield (APY) may change without notice; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.40% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Savings	0.35%	0.35%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Annual Percentage Yield (APY) may change without notice; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.35% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Savings	0.30%	0.30%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Annual Percentage Yield (APY) may change without notice; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.30% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Savings	0.25%	0.25%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Annual Percentage Yield (APY) may change without notice; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Savings	0.25%	0.25%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Annual Percentage Yield (APY) may change without notice; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Savings	0.25%	0.25%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Annual Percentage Yield (APY) may change without notice; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Piggy Bank Savings	0.25%	0.25%
Min Balance $0 Details Balance: $.01 - up Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Regular Savings	0.25%	0.25%
Min Balance $0 Details Balance: $.01 - up Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

1st Advantage Bank Money Market Rates

Product	Rate	APY
ADVANTAGE Money Market	2.08%	2.10%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 and over; Requires ADVANTAGE Checking with $2,500 minimum opening balance to obtain advertised APY Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 2.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Personal Money Market	2.08%	2.10%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 - up; $1,000 opening balance required Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 2.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Money Market	1.29%	1.30%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Requires ADVANTAGE Checking with $2,500 minimum opening balance to obtain advertised APY Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.30% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Personal Money Market	1.29%	1.30%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; $1,000 opening balance required Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.30% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Money Market	1.19%	1.20%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Requires ADVANTAGE Checking with $2,500 minimum opening balance to obtain advertised APY Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.20% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Money Market	1.09%	1.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Requires ADVANTAGE Checking with $2,500 minimum opening balance to obtain advertised APY Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Personal Money Market	1.09%	1.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; $1,000 opening balance required Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Money Market	1.05%	1.06%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Requires ADVANTAGE Checking with $2,500 minimum opening balance to obtain advertised APY Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.06% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Personal Money Market	1.05%	1.06%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; $1,000 opening balance required Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.06% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99; Requires ADVANTAGE Checking with $2,500 minimum opening balance to obtain advertised APY Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Personal Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $24,999.99; $1,000 opening balance required Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

1st Advantage Bank Business Money Market Rates

Product	Rate	APY
ADVANTAGE Business Money Market	2.08%	2.10%
Min Balance $250,000 Details Balance: $250,000 - up Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 2.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Business Money Market	2.08%	2.10%
Min Balance $250,000 Details Balance: $250,000 - up Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 2.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market	1.29%	1.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.30% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Business Money Market	1.29%	1.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.30% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market	1.19%	1.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.20% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market	1.09%	1.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Business Money Market	1.09%	1.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market	1.05%	1.06%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.06% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Business Money Market	1.05%	1.06%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.06% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
ADVANTAGE Business Money Market	1.00%	1.00%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Business Money Market	1.00%	1.00%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

1st Advantage Bank Checking Rates

Product	Rate	APY
ADVANTAGE Checking	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - up; $2,500 opening balance required; $2,500 minimum daily ledger balance required to avoid $25.00 service charge; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%
Senior ADVANTAGE Checking	0.10%	0.10%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: $.01 - up; Primary account holder must be age 50 or older; $100 opening balance required; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 11, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.12%

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Financial Health History

1st Advantage Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 1.12% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$212M	1.12%	5.0	A+
March 31, 2026	$206M	0.44%	5.0	A+
December 31, 2025	$216M	3.07%	5.0	A+
September 30, 2025	$209M	11.99%	5.0	A
June 30, 2025	$201M	12.25%	5.0	A
March 31, 2025	$182M	11.25%	5.0	A
December 31, 2024	$184M	0.00%	5.0	A+
September 30, 2024	$181M	0.00%	5.0	A+
June 30, 2024	$170M	0.00%	5.0	A+
March 31, 2024	$156M	0.00%	5.0	A+
December 31, 2023	$152M	0.00%	5.0	A+
September 30, 2023	$154M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for 1st Advantage Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather 1st Advantage Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Advantage Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name 1st Advantage Bank

Website https://www.1stadvantagebank.com

Address 240 Salt Lick Rd, Saint Peters, MO 63376 · St. Charles

Bank Holding Company BANC INVESTORS LLC

FDIC Certificate # 57899

Regulator FDIC

Established January 31, 2005

FDIC Insurance Date January 31, 2005

Domestic Offices 1

Total Branches 1

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.12%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0453%

Return on Equity (ROE)

11.3200%

Non-Performing Loans Ratio (NPL)

0.11%

Total Assets

$211,989,000

Total Deposits

$190,903,000

Equity Capital

$20,051,000

Net Income

$1,104,000

Headquarters

Saint Peters

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

1st Advantage Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/1st-advantage-bank-rates-review-57899">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for 1st Advantage Bank

Frequently Asked Questions About 1st Advantage Bank

Does 1st Advantage Bank offer CDs?

Yes. 1st Advantage Bank current CD rates include its 60-Month ADVANTAGE CD/IRA at 4.01% APY, its 48-Month ADVANTAGE CD/IRA at 3.96% APY and its 11-Month CD at 3.95% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from 1st Advantage Bank FDIC insured?

Yes. 1st Advantage Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at 1st Advantage Bank?

The highest 1st Advantage Bank CD rate is its 60-Month ADVANTAGE CD/IRA at 4.01% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does 1st Advantage Bank offer?

1st Advantage Bank CD rates are 3.95% APY for a 7 month CD, 3.95% APY for an 11 month CD, 3.45% APY for a 12 month CD, 3.51% APY for an 18 month CD, 3.55% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.70% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with 1st Advantage Bank for its full lineup.

What is the highest savings rate at 1st Advantage Bank?

The highest 1st Advantage Bank savings rate is its Investment Savings at 3.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at 1st Advantage Bank?

The highest 1st Advantage Bank money market rate is its ADVANTAGE Business Money Market at 2.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at 1st Advantage Bank?

The highest 1st Advantage Bank checking rate is its ADVANTAGE Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does 1st Advantage Bank operate?

1st Advantage Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, 1st Advantage Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Advantage Bank provides members with tools to manage their accounts and build a solid financial history.

Does 1st Advantage Bank offer online and mobile banking?

Most modern institutions like 1st Advantage Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stadvantagebank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do 1st Advantage Bank rates compare?

1st Advantage Bank's top CD rate of 4.01% APY on a 5 year CD is 37% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. 1st Advantage Bank's top rates are its 60-Month ADVANTAGE CD/IRA at 4.01% APY, its Investment Savings at 3.10% APY, its ADVANTAGE Business Money Market at 2.10% APY and its ADVANTAGE Checking at 0.10% APY, verified by MonitorBankRates on November 5, 2026.

Current 1st Advantage Bank Rates

12-Month CD3.45%
18-Month CD3.51%
24-Month CD3.55%
36-Month CD3.60%
48-Month CD3.70%
60-Month CD3.75%
Savings3.10%
MMA2.10%

Retrieved from our database of financial products. Rates subject to change.

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1st Advantage Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

1st Advantage Bank Texas Ratio

1st Advantage Bank Health Trend

1st Advantage Bank CD Rates

1st Advantage Bank Savings Rates

1st Advantage Bank Money Market Rates

1st Advantage Bank Business Money Market Rates

1st Advantage Bank Checking Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

1st Advantage Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 1st Advantage Bank

Does 1st Advantage Bank offer CDs?

Are CDs from 1st Advantage Bank FDIC insured?

What is the highest CD rate at 1st Advantage Bank?

What CD terms does 1st Advantage Bank offer?

What is the highest savings rate at 1st Advantage Bank?

What is the highest money market rate at 1st Advantage Bank?

What is the highest checking rate at 1st Advantage Bank?

How many branches does 1st Advantage Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 1st Advantage Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do 1st Advantage Bank rates compare?

Current 1st Advantage Bank Rates

Compare to Other Banks